Convert Your Chequing Account
into XtraMoney

Join the growing amount of users paying off debt and increasing their cashflow, the easy way!

Sign up Now!

Transform your chequing account
into XtraMoney, month after month?

In just a few steps, turn your everyday chequing account into
more cash. With more Canadians looking for simpler ways to
get rid of household debt and create more monthly cashflow,
our solution delivers everything you need to enhance your
cashflow starting with money you already have.

Sign up Now!

Transform your chequing account
into XtraMoney, month after month?

In just a few steps, turn your everyday chequing account into
more cash. With more Canadians looking for simpler ways to
get rid of household debt and create more monthly cashflow,
our solution delivers everything you need to enhance your
cashflow starting with money you already have.

Sign up Now!

Your “waaay” richer than you think.

XtraMoney uses a proprietary Cash-Flow Banking Algorithm to
target and harness the power of your “direct-deposit dollars”
whenever you use online banking to pay your bills.

After calculating the number of expenses you have, and the
amounts, plus your total amount of household pay-periods over
the next 3-5 years, XtraMoney sets up a new and easy-to-follow
pay-pattern which frees up your Xtra-Money.

Sign up Now!

Your “waaay” richer than you think.

XtraMoney uses a proprietary Cash-Flow Banking Algorithm to
target and harness the power of your “direct-deposit dollars”
whenever you use online banking to pay your bills.

After calculating the number of expenses you have, and the
amounts, plus your total amount of household pay-periods over
the next 3-5 years, XtraMoney sets up a new and easy-to-follow
pay-pattern which frees up your Xtra-Money.

Sign up Now!

Self-Directed, Easy to follow and
$300-$500+ per linked account.

Based on average Canadian monthly household costs of living,
XtraMoney increases the value of your chequing account. You
use our system, you direct your income and expense dollars,
And every thirty days you get to see the benefits where it counts
the most – right in your bank account.

Sign up Now!

Self-Directed, Easy to follow and
$300-$500+ per linked account.

Based on average Canadian monthly household costs of living,
XtraMoney increases the value of your chequing account. You
use our system, you direct your income and expense dollars,
And every thirty days you get to see the benefits where it counts
the most – right in your bank account.

Sign up Now!

Here’s how it works!

You need 4 accounts where you do your banking. Your current account to deposit your income and the other three are for Utilities/Services, Debt and Discretionary spending.

When your income is deposited into the main account, our platform provides simple-to-follow instructions to ROLL your money into the other 3 accounts in time to pay bills as they come due. The roll-over system calculates the Lowest Possible Dollar Amount that needs to be in each account to ensure all your
bills are paid.

99% of the time, after all your bills are paid, a positive balance is left in each account. That’s YOUR Xtra-Money!

Here’s how it works!

You need 4 accounts where you do your banking. Your current account to deposit your income and the other three are for Utilities/Services, Debt and Discretionary spending.

When your income is deposited into the main account, our platform provides simple-to-follow instructions to ROLL your money into the other 3 accounts in time to pay bills as they come due. The roll-over system calculates the Lowest Possible Dollar Amount that needs to be in each account to ensure all your bills are paid.

99% of the time, after all your bills are paid, a positive balance is left in each account. That’s YOUR Xtra-Money!

See for Yourself what your
XtraMoney month would look like.

Use our simple calculator to get a sense of what the month
would look like for your household after you get started.

See for Yourself what your
XtraMoney month would look like.

Use our simple calculator to get a sense of what the month
would look like for your household after you get started.

Get Started Now!
Your XtraMoney is Waiting for You.

Get Started Now!
Your XtraMoney is Waiting for You.

XtraMoney FAQs

The XtraMoney system is Financial Technology (FinTech), using a Cash-Flow Algorithms that enable you to make the most of the money you already have. Our system increases the “value of your direct deposit dollar” when you use your bank’s Online Banking System.

It calculates your Total Number of Household Expenses, the Amount of Each Expense, and the Total Number of Pay Periods your Account should experience over the next 3 – 5 years. 

Extra Savings is realized by employing our Account to Account Transfer Strategy to your online banking. Instantly your regular checking account is converted into a Power Account, and allowing you up to $500+/mo. in freed-up cash(money without the XtraMoney system you normally would not have realized).

To benefit from this service, you need 3 additional accounts to get started. Here’s why.
As your income is deposited to your main chequing account, you will distribute just enough money to each of these 3 new chequing accounts to cover your bill(s) as they become due. Any remaining dollars in those accounts will sit and wait for the next time an income is deposited for your household

3 accounts are needed to help better categorize your expenses and not confuse their payment due dates. The accounts will be used for:

  1. debt payments, 
  2. utility payments 
  3. discretionary spending/expenses.

There is a one time set up fee of $300 Cdn. We do not want you to be out of pocket so this fee will be deducted from your freed up Xtra-Money. Every month thereafter; there will be a $50 maintenance charge plus a 10% service fee charged from your monthly savings.

In this case, XtraMoney instantly raised the value of your dollar.

The setup process shouldn’t take more than 10 mins.

In short, yes! Your account can be connected with most banks and Credit Unions in Canada. 

Yes. In order to maximize your savings, shorten transaction time and keep things simple, it is recommended that you use the same banking institution that receives your direct deposits.

 No. Since YOU will receive setup instructions and be guided through the process, to set up the chequing accounts and submit your EFT (Electronic File Transfers) with your banking institution, we will not have any unauthorized access to your bank account.

Your XtraMoney will start approximately 30-45 days after enrolling and the necessary setup steps have been completed. Your savings will be transferred to your online e-account (setup by us) and you may direct it to any account of your choosing.

PersonalBanker has a number of Debt and Cash Management Solutions to; 

  1. Eliminate Debts
  2. Effectively Use Debt for creating Cashflow

For example, through our SWIFT Program (Save With Intuitive Financial Transactions) we can work with you to have debts eliminated in a much shorter period or help you pay off your mortgage in as little as half the time or less.

Sign up Now!

XtraMoney FAQs

The XtraMoney system is Financial Technology (FinTech), using a Cash-Flow Algorithms that enable you to make the most of the money you already have. Our system increases the “value of your direct deposit dollar” when you use your bank’s Online Banking System.

It calculates your Total Number of Household Expenses, the Amount of Each Expense, and the Total Number of Pay Periods your Account should experience over the next 3 – 5 years. 

Extra Savings is realized by employing our Account to Account Transfer Strategy to your online banking. Instantly your regular checking account is converted into a Power Account, and allowing you up to $500+/mo. in freed-up cash(money without the XtraMoney system you normally would not have realized).

To benefit from this service, you need 3 additional accounts to get started. Here’s why.
As your income is deposited to your main chequing account, you will distribute just enough money to each of these 3 new chequing accounts to cover your bill(s) as they become due. Any remaining dollars in those accounts will sit and wait for the next time an income is deposited for your household

3 accounts are needed to help better categorize your expenses and not confuse their payment due dates. The accounts will be used for:

  1. debt payments, 
  2. utility payments 
  3. discretionary spending/expenses.

There is a one time set up fee of $300 Cdn. We do not want you to be out of pocket so this fee will be deducted from your freed up Xtra-Money. Every month thereafter; there will be a $50 maintenance charge plus a 10% service fee charged from your monthly savings.

In this case, XtraMoney instantly raised the value of your dollar.

The setup process shouldn’t take more than 10 mins.

In short, yes! Your account can be connected with most banks and Credit Unions in Canada. 

Yes. In order to maximize your savings, shorten transaction time and keep things simple, it is recommended that you use the same banking institution that receives your direct deposits.

 No. Since YOU will receive setup instructions and be guided through the process, to set up the chequing accounts and submit your EFT (Electronic File Transfers) with your banking institution, we will not have any unauthorized access to your bank account.

Your XtraMoney will start approximately 30-45 days after enrolling and the necessary setup steps have been completed. Your savings will be transferred to your online e-account (setup by us) and you may direct it to any account of your choosing.

PersonalBanker has a number of Debt and Cash Management Solutions to; 

  1. Eliminate Debts
  2. Effectively Use Debt for creating Cashflow

For example, through our SWIFT Program (Save With Intuitive Financial Transactions) we can work with you to have debts eliminated in a much shorter period or help you pay off your mortgage in as little as half the time or less.

Sign up Now!